Minimum Salary Salary Transfer Islamic Finance Cashback Annual Fee Rate
HSBC Black Credit Card HSBC Black Credit Card Minimum Salary: AED 50,000 Salary Transfer: No Islamic Finance: No Cashback: No Annual Fee: AED 1,575 Rate: 3.24%
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A premium travel companion with rewards packed in.

Enjoy the best the world has to offer

Our most sophisticated card, packed with enhanced travel benefits and designed in sleek metal for a luxury experience. Plus, enjoy lifestyle, dining and shopping rewards all over the world. 

  • Earn Air Miles on all your spends, plus bonus Air Miles every year.
  • International concierge
  • Interest free days
  • Get exclusive benefits like room upgrades and late checkouts at luxury hotels with a Global Hotel Alliance membership
  • Enjoy over 11,000 Buy 1 Get 1 Free offers on food deliveries, eating out, spa days and more with the HSBC ENTERTAINER app.
  • Play 2 free rounds of golf every month with Spikes when you spend at least AED 5,000 a month.
  • Enjoy 30% off unlimited golf rounds at over 800 golf clubs worldwide.
  • Get a free 2-year MyUS membership for up to 30% off international shipping.
  • VIP lounge access, 15% off shopping and more at Bicester Villages.
  • Get up to 10% off British Airways flights until 31 December 2023 for travel dates up to 30 December 2024.
  • Get 10% off roundtrips with Cleartrip Priceless with code 'MCWORLD'.
  • Get 10% off hotels, plus a 1-year Expedia + Gold Membership for room upgrades.
  • Enjoy up to 10% cashback when you book your next holiday on your credit card at
  • Enjoy discounted hotel stays including 10% at Soneva, Agoda and Ministry of Villas and 15% at IHG hotels
Additional Information

** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest rate on the product which is equivalent to APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The Calculated Annual Percentage Rate (APR) is determined using the annual interest rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.
Najm - ONE Cashback Credit Card
Minimum Salary
AED 8,000
Najm - Platinum Plus Cashback Credit Card
Minimum Salary
AED 7,000
Najm - Platinum Cashback Credit Card
Minimum Salary
AED 7,000
HSBC - Cashback Credit Card
Minimum Salary
AED 10,000